A colleague advised me that in buying a property in Suffolk there could be various restrictions preventing external alterations to a property. Is this right?
There are a number of properties in Suffolk which have some sort of restriction or requirement of consent to carry out external changes. Part of the conveyancing in Suffolk should determine what restrictions are applicable and advising you as part of a ROT that should be sent to you.
We have agreed to purchase a house in Suffolk. A rare aspect is that the roof has a solar panel. Solicitors conducting should look into this right? Will my lender Skipton be concerned?
As your lender is Skipton your lawyer must check the conveyancing requirements outlined in Part 2 of UK Finance Lenders’ Handbook for Skipton. The CML Handbook sets out minimum provisions for solar panel roof-space leases, and property lawyers are required to report to Skipton where a lease fails to satisfy these provisions. The conditions relate to the installation of panels on properties nationwide and is not restricted to Suffolk.
We expect to receive a AIP from Yorkshire BS this week so we can work out what to offer on a property we like as otherwise we are dependent on web based calculators (which aren't taking into account credit checks etc). Do Yorkshire BS recommend any Suffolk solicitors on the Yorkshire BS conveyancing panel, or is it better to go independently?
You will need to appoint Suffolk solicitors independently although you'll need to choose one on the Yorkshire BS conveyancing panel. The solicitor represents both you and Yorkshire BS through the process.
We are buying a house and the conveyancer has referenced Chancel Repair to which the house could be obligated to pay because it falls into the area of such a church. She has recommended insurance. Is this really required for conveyancing in Suffolk
Unless a previous acquisition of the property took place after 12 October 2013 you may expect conveyancing practitioners handling conveyancing in Suffolk to continue to propose a a chancel search and or insurance against a claim.
I own a 4 bedroom Georgian property in Suffolk. Conveyancing solicitor represented me and Bank of Scotland. I did a free Land Registry search last week and I saw a couple of entries: one for freehold, another for leasehold with the exact same address. I thought I was buying a freehold how can I check?
You should assess the Freehold register you have again and check the Charges Register for mention of a lease. The best way to be sure that you are also the registered owner of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Suffolk and other locations in the country and poses no real issues for owners other than when they remortgage they have to account for both freehold and leasehold interests when dealing with buyers. You can also enquire as to the situation with your conveyancing solicitor who conducted the conveyancing.
I'm purchasing a new build house in Suffolk with a mortgage from Nottingham Building Society. The sellers refused to reduce the amount so I negotiated £7000 of additionals instead. The property agent told me not to tell my conveyancer about the extras as it may affect my loan with the lender. Is this normal?.
All lenders require a Disclosure of Incentives Form from the builder of any new build, converted or renovated property, It is available online from the Lenders’ Handbook page on the CML website. CML form is completed and handed to the lender's surveyor when the inspection is done.
Lenders have different policies on incentives. Some accept none at all, cash or physical, while others will accept cash incentives up to 5%.
Hard to understand why the representative of a builder would be suggesting you withold information from a solicitor when all this will be clearly visible on forms the builder has to supply to its solicitor, the buyer's solicitor and the surveyor.
Yesterday I discovered that there is a flying freehold issue on a property I have offered on two weeks back in what should have been a quick, chain free conveyancing. Suffolk is where the house is located. Can you offer any guidance?
Flying freeholds in Suffolk are unusual but are more likely to exist in relation to terraced houses. Even though you don't necessarily need a conveyancing solicitor in Suffolk you would need to get your solicitor to go through the deeds very carefully. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Suffolk may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold premises.